EP1571607B1 - Transaktionssystem mit Endgeräten und Speicherkarte und dazugehörige Speicherkarte - Google Patents

Transaktionssystem mit Endgeräten und Speicherkarte und dazugehörige Speicherkarte Download PDF

Info

Publication number
EP1571607B1
EP1571607B1 EP05075498A EP05075498A EP1571607B1 EP 1571607 B1 EP1571607 B1 EP 1571607B1 EP 05075498 A EP05075498 A EP 05075498A EP 05075498 A EP05075498 A EP 05075498A EP 1571607 B1 EP1571607 B1 EP 1571607B1
Authority
EP
European Patent Office
Prior art keywords
transaction
terminal
master
card
cards
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Lifetime
Application number
EP05075498A
Other languages
English (en)
French (fr)
Other versions
EP1571607A2 (de
EP1571607A8 (de
EP1571607A3 (de
Inventor
Patrick Remery
Bernard Darbour
Françoise Vallee
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
LA POSTE
Orange SA
Original Assignee
LA POSTE
France Telecom SA
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by LA POSTE, France Telecom SA filed Critical LA POSTE
Publication of EP1571607A2 publication Critical patent/EP1571607A2/de
Publication of EP1571607A3 publication Critical patent/EP1571607A3/de
Publication of EP1571607A8 publication Critical patent/EP1571607A8/de
Application granted granted Critical
Publication of EP1571607B1 publication Critical patent/EP1571607B1/de
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F13/00—Interconnection of, or transfer of information or other signals between, memories, input/output devices or central processing units
    • G06F13/38—Information transfer, e.g. on bus
    • G06F13/382—Information transfer, e.g. on bus using universal interface adapter
    • G06F13/385—Information transfer, e.g. on bus using universal interface adapter for adaptation of a particular data processing system to different peripheral devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0008—General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • G06K7/10297—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/229—Hierarchy of users of accounts
    • G06Q20/2295—Parent-child type, e.g. where parent has control on child rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Definitions

  • the present invention relates to a transaction system comprising terminals and memory cards. It finds multiple applications in access control, monetary transactions, payment by e-wallet, etc.
  • Terminal and memory card systems are now widely used.
  • the terminal that manages the transaction, the card being a secure means intervening, at the request of the terminal, to perform certain functions. It can be the identification of the holder (control of a confidential code), the calculation of certificates to authenticate the account of the holder and to authorize exchanges of data, etc ...
  • the terminal-card set the terminal is the master and the card is the slave.
  • the application program which determines the transaction to be executed, is placed in the terminal. It is usually written in read-only memory (or "ROM” for “Read-Only-Memory”) and can not be modified. Optionally, it could be described in a RAM or random access (“RAM” for "Random-Access-Memory”). In this case, it could be modified. But this would imply that the terminal is connected to a suitable telecommunications network capable of downloading at the time of the new transaction to be executed.
  • terminal and smart card transaction systems are dedicated to a particular application, without the ability to easily modify this application or to add others. Moreover, it is difficult and expensive to adapt the existing terminals to permanent and rapid progress obtained on smart cards.
  • the present invention precisely aims to overcome these disadvantages.
  • the document WO-A-88 01818 discloses a transaction system comprising a terminal and the microprocessor card of a user.
  • the card includes an EPROM memory, nonvolatile and non-rewritable memory, in which a token area is defined.
  • the document describes the functions of each element of the system and their interaction. In fact, it describes an "off-line" payment method based on the writing of tokens in a prepaid memory card.
  • the exchange of encrypted words between the user's card and the secure microprocessor module located in the terminal authorizes the delivery of a service such as the printing of a postal stamp.
  • the terminal that controls the interface with the card and the operations of the different parts of the terminal including the keyboard, the display, the printer of the franking machine.
  • the document US-A-5,036,461 describes a terminal in which the code of the application program that will be executed by the terminal is stored in a memory card issued by a financial institution.
  • the control program of the terminal using a secure procedure, reads the code written in the memory of the card. The read code is then executed by the terminal.
  • secure reading can be expensive in execution time, especially if it is an application for controlling access to public transport, motorways, etc.
  • the invention proposes a system which is always composed of transactions comprising terminals and memory cards, a terminal-card assembly generally containing so-called “master” means able to control a particular transaction and so-called “slave” modules. "intervening at the request of the master means for executing the particular transaction, the system of the invention being characterized in that the master means are arranged in the cards and the slave means in the terminals. So we reversed the hierarchy of means. It is then much easier to adapt, modify or add transactions by modifying the cards, the terminals remaining what they are.
  • the invention which is the subject of the present application eliminates the drawbacks of the prior art because the application program is executed by the microprocessor card itself. It is therefore no longer necessary to transfer the application code to the terminal.
  • the terminal makes available to the card universal basic functions (keyboard input, screen display, data transmission, etc ...) that are called by the card during the execution of its program.
  • the present invention also relates to a memory card for such a system.
  • This card is characterized in that it comprises at least one memory loaded by a software specific to a particular transaction and means adapted to control the slave means of the terminal in which the card is introduced for the execution of this transaction.
  • All these modules are eslaves, that is to say they are placed under the control of the card or one of the cards introduced into the terminal.
  • the cards have, for their part, the application software and the communication protocol allowing them to communicate with any terminal.
  • This software is written in read-only memory (ROM) or reading and writing (EPROM, E 2 PROM).
  • the transaction is then carried out under the control of the card and not under that of the terminal.
  • the card transmits to the terminal and its various modules all the commands necessary for the execution of the transaction.
  • An acquittal (that is, an answer) is returned to the map, which analyzes it and decides on the next action to take.
  • the memory card thus becomes the master organ of the transaction.
  • the terminal and its modules are only slaves. If there are several memory cards introduced or connected to the same terminal, at the beginning of the transaction, the cards are all temporarily masters. They will act to know their mode of operation (master or slave) by reading the keyboard of the terminal. Depending on the response given by the keyboard, which defines the type of transaction chosen, only one of these cards will remain master, the others becoming slaves.
  • SME payment transaction type electronic purse
  • SAM Secure Application Module
  • a master card may eventually switch to slave mode and vice versa.
  • the transaction in question is the reading of the balance of an SME card.
  • the modules of the terminal identified by the addresses "TA, TC, TCAM1" are therefore used.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Health & Medical Sciences (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Toxicology (AREA)
  • General Health & Medical Sciences (AREA)
  • Artificial Intelligence (AREA)
  • Electromagnetism (AREA)
  • Computer Hardware Design (AREA)
  • Child & Adolescent Psychology (AREA)
  • General Engineering & Computer Science (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Storage Device Security (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
  • Devices For Executing Special Programs (AREA)

Claims (13)

  1. Verfahren für die Kommunikation zwischen einem Endgerät und mehreren Speicherkarten, die mit dem Endgerät gekoppelt werden können, um eine Transaktion auszuführen, wobei das Endgerät, das mit den Karten gekoppelt ist, eine Endgerät-Karten-Gesamtheit bildet, die so genannte "Master"-Mittel, die eine besondere Transaktion steuern können, und so genannte "Slave"-Mittel, die auf die Anforderung der Master-Mittel antworten können, um diese Transaktion auszuführen, umfasst, dadurch gekennzeichnet, dass es die folgenden Schritte umfasst.
    - am Beginn der Transaktion einen Schritt, in dem die Karten vorläufig alle Master sind; und in dem die Karten den Typ der auszuführenden Transaktion bestimmen;
    - einen Schritt des Bestimmens der Betriebsart, in der die Karten als Funktion des Transaktionstyps ihre Master- oder Slave-Betriebsart für die Ausführung der Transaktion bestimmen.
  2. Kommunikationsverfahren nach Anspruch 1, dadurch gekennzeichnet, dass während einer Transaktion eine Master-Karte in die Slave-Betriebsart übergeht und umgekehrt.
  3. Kommunikationsverfahren nach Anspruch 1 oder 2, dadurch gekennzeichnet, dass die Bestimmung der Betriebsart einen Schritt des Lesens eines Moduls des Endgeräts umfasst, wobei die gesammelten Daten den Typ der auszuführenden Transaktion definieren.
  4. Karte, die mit einem Endgerät gekoppelt werden kann, um eine Transaktion auszuführen, dadurch gekennzeichnet, dass sie Master-Mittel umfasst, derart, dass eine Transaktion unter der Steuerung der Karte durch die in dem Endgerät enthaltenen Slave-Mittel ausgeführt wird, wobei die Master-Mittel an das Endgerät Befehle übertragen können, die für die Ausführung der Transaktion notwendig sind, wobei die Master-Mittel umfassen:
    - Mittel, um den Typ der auszuführenden Transaktion zu bestimmen;
    - und Mittel zum Bestimmen der Master- oder Slave-Betriebsart als Funktion des Transaktionstyps für die Ausführung der Transaktion.
  5. Karte nach Anspruch 4, dadurch gekennzeichnet, dass die Master-Mittel Mittel umfassen, um im Verlauf einer Transaktion von der Master-Betriebsart in die Slave-Betriebsart überzugehen oder umgekehrt.
  6. Karte nach Anspruch 4, dadurch gekennzeichnet, dass die Master-Mittel Mittel umfassen, um ein Modul des Endgeräts zu lesen und um Daten, die den Typ der auszuführenden Transaktion definieren, zu sammeln.
  7. Endgerät, das dazu vorgesehen ist, eine besondere Transaktion in Kooperation mit einer Karte auszuführen, dadurch gekennzeichnet, dass das Endgerät Slave-Mittel umfasst, die durch Master-Mittel steuerbar sind, die in der Karte angeordnet sind, wobei die Slave-Mittel Mittel umfassen, um den Karten am Beginn der Transaktion Daten zuzuführen, die den Typ der auszuführenden Transaktion definierten, wobei die Karten als Funktion des empfangenen Transaktionstyps in der Lage sind, ihre Master- oder Slave-Betriebsart für die Ausführung der Transaktion zu bestimmen.
  8. Endgerät nach Anspruch 7, dadurch gekennzeichnet, dass es ein Modul umfasst, das einen von den Karten stammenden Lesebefehl empfangen kann und als Antwort darauf Daten, die den Typ der Transaktion definieren, senden kann.
  9. Endgerät-Karten-Gesamtheit, die ein Endgerät nach Anspruch 8 und mindestens eine Karte nach Anspruch 5 umfasst.
  10. Anwendungsprogramm, das in einer Karte ausgeführt werden kann, die mit einem Endgerät kooperieren kann, wobei das Endgerät, das mit den Karten gekoppelt ist, eine Endgerät-Karten-Gesamtheit bildet, die so genannte "Master"-Mittel, die eine besondere Transaktion steuern können, und so genannte "Slave"-Mittel, die auf die Anforderung der Master-Mittel antworten können, um diese Transaktion auszuführen, umfasst, wobei das Programm Mastercode-Befehle enthält, derart, dass eine Transaktion unter der Steuerung der Karte durch die in dem Endgerät enthaltenen Slave-Mittel ausgeführt wird, wobei die Ausführung des Programms die folgenden schritte umfasst:
    - am Beginn der Transaktion einen Bestimmungsschritt, in dem die Karte den Typ der auszuführenden Transaktion bestimmt;
    - einen Schritt des Bestimmens der Betriebsart, in dem die Karte als Funktion des Transaktionstyps ihre Master- oder Slave-Betriebsart für die Ausführung der Transaktion bestimmt.
  11. Programm nach Anspruch 10, dadurch gekennzeichnet, dass es Codebefehle umfasst, um im Verlauf einer Transaktion eine Karte von einer Master-Betriebsart in eine Slave-Betriebsart übergehen zu lassen und umgekehrt, wenn die Befehle in der Karte ausgeführt werden.
  12. Anwendungsprogramm, das in einem Endgerät ausgeführt werden kann, das mit mehreren Karten kooperieren kann, wobei das Endgerät, das mit den Karten gekoppelt ist, eine Endgerät-Karten-Gesamtheit bildet, die so genannte "Master"-Mittel, die eine besondere Transaktion steuern können, und so genannte "Slave"-Mittel, die auf die Anforderung der Master-Mittel antworten können, um diese Transaktion auszuführen, umfasst, wobei das Programm Slavecode-Befehle enthält, derart, dass eine Transaktion unter der Steuerung der Karte durch die in dem Endgerät enthaltenen Slave-Mittel ausgeführt wird, wobei das Anwendungsprogramm in der Karte ausgeführt wird, um eine Transaktion auszuführen, wobei die Ausführung die folgenden Schritte umfasst:
    - am Beginn der Transaktion, wenn die Karten alle vorläufig Master sind, einen Schritt des Zuführens von Daten, die den Typ der auszuführenden Transaktion definieren, zu den Karten, wobei die Karten als Funktion des empfangenen Transaktionstyps ihre Master- oder Slave-Betriebsart für die Ausführung der Transaktion bestimmen können.
  13. Programm nach Anspruch 12, dadurch gekennzeichnet, dass es Codebefehle enthält, um einen Lesebefehl empfangen zu können, der von den Karten stammt, und um in Reaktion darauf Daten senden zu können, die den Transaktionstyp definieren, wenn die Befehle in dem Endgerät ausgeführt werden.
EP05075498A 1994-01-10 1995-01-09 Transaktionssystem mit Endgeräten und Speicherkarte und dazugehörige Speicherkarte Expired - Lifetime EP1571607B1 (de)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
FR9400164A FR2714987B1 (fr) 1994-01-10 1994-01-10 Système pour transactions comprenant des terminaux et des cartes à mémoire et carte à mémoire correspondante.
FR9400164 1994-01-10
EP95400037A EP0662674B1 (de) 1994-01-10 1995-01-09 System mit Endgerät und Karte, Karte und Endgerät

Related Parent Applications (2)

Application Number Title Priority Date Filing Date
EP95400037A Division EP0662674B1 (de) 1994-01-10 1995-01-09 System mit Endgerät und Karte, Karte und Endgerät
EP95400037.8 Division 1995-01-09

Publications (4)

Publication Number Publication Date
EP1571607A2 EP1571607A2 (de) 2005-09-07
EP1571607A3 EP1571607A3 (de) 2005-11-16
EP1571607A8 EP1571607A8 (de) 2006-04-12
EP1571607B1 true EP1571607B1 (de) 2011-07-27

Family

ID=9458874

Family Applications (2)

Application Number Title Priority Date Filing Date
EP95400037A Expired - Lifetime EP0662674B1 (de) 1994-01-10 1995-01-09 System mit Endgerät und Karte, Karte und Endgerät
EP05075498A Expired - Lifetime EP1571607B1 (de) 1994-01-10 1995-01-09 Transaktionssystem mit Endgeräten und Speicherkarte und dazugehörige Speicherkarte

Family Applications Before (1)

Application Number Title Priority Date Filing Date
EP95400037A Expired - Lifetime EP0662674B1 (de) 1994-01-10 1995-01-09 System mit Endgerät und Karte, Karte und Endgerät

Country Status (4)

Country Link
EP (2) EP0662674B1 (de)
JP (2) JPH0855175A (de)
DE (1) DE69534181T2 (de)
FR (1) FR2714987B1 (de)

Families Citing this family (36)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5705798A (en) * 1994-12-16 1998-01-06 Mastercard International Inc. System and method for processing a customized financial transaction card
FR2734937B1 (fr) * 1995-05-30 1997-07-25 Syseca Systeme a cartes a puce intelligentes
DE19714259C2 (de) * 1997-04-08 2000-08-31 Angewandte Digital Elektronik Verfahren zum Nutzen von Werten als elektronische Speichereinheiten in Chipkarten
JP3895830B2 (ja) 1997-06-18 2007-03-22 インテリジェントディスク株式会社 電子回路を有する記憶媒体
US20010044864A1 (en) 1997-06-18 2001-11-22 Kabushiki Kaisha Optrom Disk storage system having an electronic circuit mounted on the surface of the disk and control method thereof
JPH117296A (ja) 1997-06-18 1999-01-12 Oputoromu:Kk 電子回路を有する記憶媒体と該記憶媒体を有する音声合成装置
TW389894B (en) 1997-06-19 2000-05-11 Optrom Kk Device for exchanging information with storage medium having electronic circuit and the electronic circuit, and system including the same
US6157966A (en) * 1997-06-30 2000-12-05 Schlumberger Malco, Inc. System and method for an ISO7816 complaint smart card to become master over a terminal
FR2772957B1 (fr) 1997-12-19 2000-02-04 Gemplus Card Int Procede de gestion d'applications evolutives dans un systeme terminal / carte a puce
US6308270B1 (en) 1998-02-13 2001-10-23 Schlumberger Technologies, Inc. Validating and certifying execution of a software program with a smart card
US6098891A (en) * 1998-06-29 2000-08-08 Schlumberger Malco, Inc. Controlling industrial processes
US6591229B1 (en) 1998-10-09 2003-07-08 Schlumberger Industries, Sa Metrology device with programmable smart card
FR2794547B1 (fr) * 1999-06-03 2001-08-24 Gemplus Card Int Preparation et execution d'un programme dans une carte a puce additionnelle d'un terminal
DE60034784T2 (de) * 1999-06-03 2008-01-17 Gemplus Vorbereitung und ausführung eines programmes in einer zusätzlichen chipkarte eines endgerätes
US7231411B1 (en) * 1999-09-15 2007-06-12 Koninklijke Philips Electronics N.V. Removable card system with downloadable agent for communicating with a digital television receiver or other host device
US20020162021A1 (en) 2001-04-30 2002-10-31 Audebert Yves Louis Gabriel Method and system for establishing a remote connection to a personal security device
DE10227558A1 (de) 2002-06-20 2004-01-15 Infineon Technologies Ag System zum Datenaustausch zwischen mindestens zwei kontaktlosen Datenträgern
US7941660B2 (en) 2003-11-13 2011-05-10 Gemalto Sa System and method for data communications allowing slave device to be network peers
DE102004024158B4 (de) * 2004-05-14 2009-06-04 Infineon Technologies Ag Kommunikationssystem und Verfahren zum Datenaustausch
US9092387B2 (en) * 2008-12-10 2015-07-28 Micron Technology, Inc. Non-volatile memory device capable of initiating transactions
EP2306414A1 (de) * 2009-10-05 2011-04-06 Gemalto SA Kommunikationsverfahren zwischen einem Kartenleser und zwei Chipkarten
US9274815B2 (en) 2010-03-26 2016-03-01 Qualcomm Incorporated Method and apparatus for portable self-contained node computer
US11966926B2 (en) 2013-12-18 2024-04-23 PayRange Inc. Method and system for asynchronous mobile payments for multiple in-person transactions conducted in parallel
US11481780B2 (en) 2013-12-18 2022-10-25 PayRange Inc. Method and system for asynchronous mobile payments for multiple in-person transactions conducted in parallel
US11205163B2 (en) 2013-12-18 2021-12-21 PayRange Inc. Systems and methods for determining electric pulses to provide to an unattended machine based on remotely-configured options
US11074580B2 (en) 2013-12-18 2021-07-27 PayRange Inc. Device and method for providing external access to multi-drop bus peripheral devices
US11475454B2 (en) 2013-12-18 2022-10-18 PayRange Inc. Intermediary communications over non-persistent network connections
US8856045B1 (en) 2013-12-18 2014-10-07 PayRange Inc. Mobile-device-to-machine payment systems
US9659296B2 (en) 2013-12-18 2017-05-23 PayRange Inc. Method and system for presenting representations of payment accepting unit events
US11966895B2 (en) 2013-12-18 2024-04-23 PayRange Inc. Refund centers for processing and dispensing vending machine refunds via an MDB router
US11481781B2 (en) 2013-12-18 2022-10-25 PayRange Inc. Processing interrupted transaction over non-persistent network connections
US12093962B2 (en) 2013-12-18 2024-09-17 PayRange Inc. Intermediary communications over non-persistent network connections
US11983692B2 (en) 2013-12-18 2024-05-14 PayRange Inc. Mobile payment module with dual function radio transmitter
US12086811B2 (en) 2013-12-18 2024-09-10 PayRange Inc. Processing interrupted transactions over non-persistent network connections
US10019724B2 (en) 2015-01-30 2018-07-10 PayRange Inc. Method and system for providing offers for automated retail machines via mobile devices
JP2023536412A (ja) * 2020-07-21 2023-08-25 ペイレンジ インコーポレイテッド マルチドロップバス周辺デバイスへの外部アクセスを提供するためのデバイス及び方法

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS61278989A (ja) * 1985-06-04 1986-12-09 Toppan Moore Co Ltd Ｉｃカ−ドのリ−ダ・ライタ
EP0619564B2 (de) * 1986-09-02 2004-03-17 Pitney Bowes, Inc. Automatisiertes Transaktionssystem mit einsteckbaren Karten zum Übertragen von Kontodaten
JP2753565B2 (ja) * 1988-01-26 1998-05-20 日立マクセル株式会社 Ｉｃカードのデータ伝送方法
FR2661762B1 (fr) * 1990-05-03 1992-07-31 Storck Jean Procede et dispositif de transaction entre un premier et au moins un deuxieme supports de donnees et support a cette fin.
US5036461A (en) * 1990-05-16 1991-07-30 Elliott John C Two-way authentication system between user's smart card and issuer-specific plug-in application modules in multi-issued transaction device

Also Published As

Publication number Publication date
EP1571607A2 (de) 2005-09-07
EP0662674A1 (de) 1995-07-12
FR2714987A1 (fr) 1995-07-13
FR2714987B1 (fr) 1996-02-02
EP1571607A8 (de) 2006-04-12
EP1571607A3 (de) 2005-11-16
JPH0855175A (ja) 1996-02-27
DE69534181D1 (de) 2005-06-09
JP2008276790A (ja) 2008-11-13
EP0662674B1 (de) 2005-05-04
DE69534181T2 (de) 2006-02-23

Similar Documents

Publication Publication Date Title
EP1571607B1 (de) Transaktionssystem mit Endgeräten und Speicherkarte und dazugehörige Speicherkarte
US10915887B2 (en) System and method for electronic prepaid account replenishment
US5937396A (en) System for ATM/ATM transfers
EP1179271B1 (de) Funkfernsprechgerät mit einer chipkarte mit navigator
JP4036649B2 (ja) トランザクション方法および販売システム
EP0626664B1 (de) IC-Karten-Übertragungssystem
US20020062257A1 (en) Net shopping method, system therefor, and automatic payment transfer device
US7388683B2 (en) Fax check/money order automatically from ATM
US5773804A (en) Electronic passbook system using electronic passbook card and method of using the same therein
MXPA03010650A (es) Sistema y metodo para documentos de valores almacenados seleccionables monetarios.
CA2547811A1 (fr) Procede et systeme de location automatique de bicyclettes
EP0956546A1 (de) Verfahren und system für eine automatische elektronische geldüberweisung
EP1040455A1 (de) Verwaltungsverfahren für entwicklungsfähige anwendungen in einem system endgerät/chipkarte
US6223169B1 (en) Electronic transaction processing system with escrow card
EP1221681B1 (de) Anwendungsendgerät
FR2680263A1 (fr) Appareil de parcmetre individuel.
US7072937B2 (en) Web-based common use terminal with multiple application servers
EP0909432B1 (de) Tragbares gerät zur durchführung gesicherter interner transaktionen und transaktionen mit chipkarten, und verfahren dazu
US20040044535A1 (en) Systems and methods for a digital information automated teller machine
US6970851B1 (en) System and method of configuring value cards
EP0974131B1 (de) Dynamisches dateninterpretationsverfahren für eine chipkarte
EP2800072A2 (de) Verfahren zur Ausgabe über einen Automaten von Mobiltelefonkarten (SIM-Karten) mit Prepaid- oder Postpaid-Abonnement
EP1101205A1 (de) Verfahren zur kontrolle der ausführung einer von einem server zu einer chipkarte mittels eines terminals übermittelten aktionsanforderung
KR20050064523A (ko) 키오스크를 이용한 사진출력서비스 운영방법
JP3482587B2 (ja) 自動取引装置及び自動振込システム

Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

AC Divisional application: reference to earlier application

Ref document number: 0662674

Country of ref document: EP

Kind code of ref document: P

AK Designated contracting states

Kind code of ref document: A2

Designated state(s): DE GB

PUAL Search report despatched

Free format text: ORIGINAL CODE: 0009013

AK Designated contracting states

Kind code of ref document: A3

Designated state(s): DE GB

RAP1 Party data changed (applicant data changed or rights of an application transferred)

Owner name: LA POSTE

Owner name: FRANCE TELECOM

17P Request for examination filed

Effective date: 20060512

AKX Designation fees paid

Designated state(s): DE GB

17Q First examination report despatched

Effective date: 20090630

GRAP Despatch of communication of intention to grant a patent

Free format text: ORIGINAL CODE: EPIDOSNIGR1

RIN1 Information on inventor provided before grant (corrected)

Inventor name: DARBOUR, BERNARD

Inventor name: VALLEE, FRANCOISE

Inventor name: REMERY, PATRICK

GRAC Information related to communication of intention to grant a patent modified

Free format text: ORIGINAL CODE: EPIDOSCIGR1

GRAS Grant fee paid

Free format text: ORIGINAL CODE: EPIDOSNIGR3

GRAA (expected) grant

Free format text: ORIGINAL CODE: 0009210

AC Divisional application: reference to earlier application

Ref document number: 0662674

Country of ref document: EP

Kind code of ref document: P

AK Designated contracting states

Kind code of ref document: B1

Designated state(s): DE GB

REG Reference to a national code

Ref country code: GB

Ref legal event code: FG4D

Free format text: NOT ENGLISH

REG Reference to a national code

Ref country code: DE

Ref legal event code: R096

Ref document number: 69536178

Country of ref document: DE

Effective date: 20110922

PLBE No opposition filed within time limit

Free format text: ORIGINAL CODE: 0009261

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: NO OPPOSITION FILED WITHIN TIME LIMIT

26N No opposition filed

Effective date: 20120502

REG Reference to a national code

Ref country code: DE

Ref legal event code: R097

Ref document number: 69536178

Country of ref document: DE

Effective date: 20120502

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: GB

Payment date: 20131223

Year of fee payment: 20

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: DE

Payment date: 20131219

Year of fee payment: 20

REG Reference to a national code

Ref country code: DE

Ref legal event code: R071

Ref document number: 69536178

Country of ref document: DE

REG Reference to a national code

Ref country code: DE

Ref legal event code: R071

Ref document number: 69536178

Country of ref document: DE

REG Reference to a national code

Ref country code: GB

Ref legal event code: PE20

Expiry date: 20150108

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: GB

Free format text: LAPSE BECAUSE OF EXPIRATION OF PROTECTION

Effective date: 20150108